There are many different things that affect the cost of health insurance, including the amount of coverage, premiums, deductibles, copays, coinsurance, and even where you live. To learn more about the costs involved, and how to narrow down your choices, visit our How Much Does Health Insurance Cost page.

Humana is a health insurance company. We strive to meet different insurance needs for individuals, families, seniors, military personnel, and the self-employed. We believe our role in the insurance industry is to shift perceptions and move beyond being simply a provider by helping to empower our members to live healthy, active, and rewarding lives. Our corporate headquarters is in Louisville, Kentucky. You can learn more about Humana by visiting our company profile page.

Health and well-being are at the center of everything we do. From information on choosing health insurance, explaining healthcare reform, articles on health and well-being and much more, visit our Health & Welness library

Absolutely. We have an entire division dedicated to helping you understand your benefits, choosing an in-network transplant program, and managing claims. You can get more details by visiting our Transplant Services page.

Illnesses and emergencies don’t always happen during office hours. Urgent care centers are often open earlier and later than regular doctor’s offices and clinics, providing you an alternative place to get care in non-emergency situations. To locate a center near you, visit our Urgent Care page.

If you are experiencing a serious medical event, or a life-threatening emergency, you should call 911 or go to your nearest emergency room.
If you need non-emergency medical care, your best bet is to first call your primary care doctor. He or she is already familiar with your medical history, medications, and lifestyle.
However, if it is after office hours or on the weekend, you could use an urgent care center as an alternative. For more information, please visit our Where to Go for Care page.

To get medical help when you are away from home, you can call the number on the back of your Humana ID card to find a provider in your network. You can get more information in the section titled Care Away from Home.

Cost sharing is the amount of money you pay out of your own pocket for medical care or prescription drugs. Understanding how cost sharing works may help you save money. Your “cost share” may include:

Your copayment – the flat amount you pay to a healthcare provider or pharmacy at the time of service, based on your plan and the services you receive

Your deductible – the amount that you pay toward certain healthcare expenses before your plan starts paying a share of the costs

Your coinsurance – a percentage of the charges you may owe for services you receive once you’ve met your plan’s deductible

One simple way to save on your cost share is by making sure you get care from providers who are in your plan’s network. With most plans, your cost share will be higher if you use an out-of-network provider. And remember that your doctor is just one of your care providers. If your doctor refers you to a specialist or other care provider, check to be sure that they are in your plan’s network, as well. You can do this online at Humana.com/PhysicianFinder, or call your doctor’s office directly to be sure they’ve referred you to someone in your plan’s network.

You may be able to save on your cost share at the pharmacy, as well. If your doctor prescribes a drug, ask if a generic version with a lower copayment is available.

Knowing where to go for care when your doctor isn’t available can help you save, as well. For example, a visit to an urgent care center will usually cost less than a visit to an emergency room. And an emergency room visit to a hospital in your plan’s network will cost less than a visit to an out-of-network hospital. So your share of the cost will be lower, as well, in both of those cases.

The best time to find an emergency room in your plan’s network is before you need one! Most plans cover emergency room care for true emergencies regardless of whether it’s in or out of your plan’s network. But if you need to be admitted to the hospital for further treatment or need after-treatment care, your share of the cost will be lower at a hospital in your plan’s network.

Finally, know your plan and what it covers. One of the easiest ways to do this is to register for a secure, online account at MyHumana.com. That way, you can access your personal plan information anytime you need it.

The Affordable Care Act requires that health insurance plans cover 100 percent of certain preventive screenings and activities, at no cost to the member. Some examples include flu shots, screening mammography, prostate cancer screening tests, and colorectal cancer screening. So, for example, if you’re over 50, you’ve never had a colorectal cancer screening, and your doctor recommends a preventive colonoscopy, the cost will be covered completely by your plan as a preventive test. Check with your plan to see if the provider who conducts the screening must also be in your plan’s network.

On the other hand, if you visit your doctor because you’ve been having abdominal pains or a change in bowel habits, your doctor may order a colonoscopy to find a cause for your symptoms. In that case, the colonoscopy would be a diagnostic test, subject to any cost sharing (such as copays, deductibles and coinsurance) required by your health plan, even if you would be eligible for a free preventive screening if you had no symptoms.

Renewals & Changes

If you experience a life-changing event such as getting married, divorced, or having a child, you may want to make changes to your insurance plan. For a complete list of qualifying events, visit our Life-Changing Events page.

You can change your insurance plan each year during the Open Enrollment Period, which usually takes place from November to January each year.
At any other time, the only way to change your insurance is if you have a life-changing event, also called a qualifying event. To learn which events are included, visit When Your Life Changes, You Can Change Your Insurance Plan Too.

Managing Healthcare Costs

A network is a group of providers who are under contract with an insurance company. The network agrees to provide healthcare services at lower costs. This is why it is important that you always seek care from an in-network provider, to help lower your expenses. You can learn more about networks by visiting Save Costs by Staying In-Network.

MyHumana is a resource available only to our members. It is a secure website portal that allows you to manage all of your healthcare information online. You can use MyHumana to find doctors, pay bills, check claims, and so much more. To sign up, visit Register to get healthcare at your fingertips.

Setting up automatic payments is an easy way to make sure your premiums are paid on time, every month. To set up recurring payments, simply sign in to MyHumana and then select Pay my bill on the top right hand side of the page.

Insurance 101

A premium is the amount you pay each month for health insurance. Paying your premiums each month is the only way to activate and use your health insurance. To learn how to pay your premiums each month go to our Ways to Pay page and click on the red +Other Options link.

A claim is the formal request submitted to an insurance company for payment of services. When a claim is approved, the provider is paid or the insured person is reimbursed for money he or she paid to the provider. To learn more, visit our What is a Claim page.

A provider is a person or group that offers medical care. This includes doctors, hospitals, retail clinics, urgent care centers, and more. Be sure to check if a provider is in network before getting services. To find a provider in your network, visit Save Costs by Staying In-Network.

There are many different things that affect the cost of health insurance, including the amount of coverage, premiums, deductibles, copays, coinsurance, and even where you live. To learn more about the costs involved, and how to narrow down your choices, visit our How Much Does Health Insurance Cost page.

Humana is a health insurance company. We strive to meet different insurance needs for individuals, families, seniors, military personnel, and the self-employed. We believe our role in the insurance industry is to shift perceptions and move beyond being simply a provider by helping to empower our members to live healthy, active, and rewarding lives. Our corporate headquarters is in Louisville, Kentucky. You can learn more about Humana by visiting our company profile page.

MyHumana is a resource available only to our members. It is a secure website portal that allows you to manage all of your healthcare information online. You can use MyHumana to find doctors, pay bills, check claims, and so much more. To sign up, visit Register to get healthcare at your fingertips.

Health and well-being are at the center of everything we do. From information on choosing health insurance, explaining healthcare reform, articles on health and well-being and much more, visit our Health & Welness library

Absolutely. We have an entire division dedicated to helping you understand your benefits, choosing an in-network transplant program, and managing claims. You can get more details by visiting our Transplant Services page.

Illnesses and emergencies don’t always happen during office hours. Urgent care centers are often open earlier and later than regular doctor’s offices and clinics, providing you an alternative place to get care in non-emergency situations. To locate a center near you, visit our Urgent Care page.

If you are experiencing a serious medical event, or a life-threatening emergency, you should call 911 or go to your nearest emergency room.
If you need non-emergency medical care, your best bet is to first call your primary care doctor. He or she is already familiar with your medical history, medications, and lifestyle.
However, if it is after office hours or on the weekend, you could use an urgent care center as an alternative. For more information, please visit our Where to Go for Care page.

To get medical help when you are away from home, you can call the number on the back of your Humana ID card to find a provider in your network. You can get more information in the section titled Care Away from Home.

Cost sharing is the amount of money you pay out of your own pocket for medical care or prescription drugs. Understanding how cost sharing works may help you save money. Your “cost share” may include:

Your copayment – the flat amount you pay to a healthcare provider or pharmacy at the time of service, based on your plan and the services you receive

Your deductible – the amount that you pay toward certain healthcare expenses before your plan starts paying a share of the costs

Your coinsurance – a percentage of the charges you may owe for services you receive once you’ve met your plan’s deductible

One simple way to save on your cost share is by making sure you get care from providers who are in your plan’s network. With most plans, your cost share will be higher if you use an out-of-network provider. And remember that your doctor is just one of your care providers. If your doctor refers you to a specialist or other care provider, check to be sure that they are in your plan’s network, as well. You can do this online at Humana.com/PhysicianFinder, or call your doctor’s office directly to be sure they’ve referred you to someone in your plan’s network.

You may be able to save on your cost share at the pharmacy, as well. If your doctor prescribes a drug, ask if a generic version with a lower copayment is available.

Knowing where to go for care when your doctor isn’t available can help you save, as well. For example, a visit to an urgent care center will usually cost less than a visit to an emergency room. And an emergency room visit to a hospital in your plan’s network will cost less than a visit to an out-of-network hospital. So your share of the cost will be lower, as well, in both of those cases.

The best time to find an emergency room in your plan’s network is before you need one! Most plans cover emergency room care for true emergencies regardless of whether it’s in or out of your plan’s network. But if you need to be admitted to the hospital for further treatment or need after-treatment care, your share of the cost will be lower at a hospital in your plan’s network.

Finally, know your plan and what it covers. One of the easiest ways to do this is to register for a secure, online account at MyHumana.com. That way, you can access your personal plan information anytime you need it.

The Affordable Care Act requires that health insurance plans cover 100 percent of certain preventive screenings and activities, at no cost to the member. Some examples include flu shots, screening mammography, prostate cancer screening tests, and colorectal cancer screening. So, for example, if you’re over 50, you’ve never had a colorectal cancer screening, and your doctor recommends a preventive colonoscopy, the cost will be covered completely by your plan as a preventive test. Check with your plan to see if the provider who conducts the screening must also be in your plan’s network.

On the other hand, if you visit your doctor because you’ve been having abdominal pains or a change in bowel habits, your doctor may order a colonoscopy to find a cause for your symptoms. In that case, the colonoscopy would be a diagnostic test, subject to any cost sharing (such as copays, deductibles and coinsurance) required by your health plan, even if you would be eligible for a free preventive screening if you had no symptoms.

Setting up automatic payments is an easy way to make sure your premiums are paid on time, every month. To set up recurring payments, simply sign in to MyHumana and then select Pay my bill on the top right hand side of the page.

Renewals & Changes

If you experience a life-changing event such as getting married, divorced, or having a child, you may want to make changes to your insurance plan. For a complete list of qualifying events, visit our Life-Changing Events page.

You can change your insurance plan each year during the Open Enrollment Period, which usually takes place from November to January each year.
At any other time, the only way to change your insurance is if you have a life-changing event, also called a qualifying event. To learn which events are included, visit When Your Life Changes, You Can Change Your Insurance Plan Too.

Insurance 101

A premium is the amount you pay each month for health insurance. Paying your premiums each month is the only way to activate and use your health insurance. To learn how to pay your premiums each month go to our Ways to Pay page and click on the red +Other Options link.

A claim is the formal request submitted to an insurance company for payment of services. When a claim is approved, the provider is paid or the insured person is reimbursed for money he or she paid to the provider. To learn more, visit our What is a Claim page.

A provider is a person or group that offers medical care. This includes doctors, hospitals, retail clinics, urgent care centers, and more. Be sure to check if a provider is in network before getting services. To find a provider in your network, visit Save Costs by Staying In-Network.

“Humana” is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Humana Inc. (“Humana Entities”). Plans, products, and services are solely and only provided by one or more Humana Entities specified on the plan, product, or service contract, not Humana Inc. Not all plans, products, and services are available in each state.

Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. We also provide free language interpreter services. See our full accessibility rights information and language options.

Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any Humana plan depends on contract renewal.

Humana group life plans are offered by Humana Insurance Company, Humana Insurance Company of Kentucky, or Kanawha Insurance Company.

Long Term Disability and Short Term Disability

Humana long term disability and short term disability plans are offered by Kanawha Insurance Company or Humana Insurance Company.

Workplace Voluntary Benefits

Humana Cancer, Critical Illness, Accident, Hospital Indemnity, Life and Disability Income plans are insured by Humana Insurance Company, Kanawha Insurance Company, or Humana Insurance Company of New York.

Please click here to view a complete list of the legal entities that offer, underwrite, administer or insure insurance products and services.

Limitations and exclusions

Our health benefit plans, dental plans, vision plans, life and supplemental plans, workplace voluntary benefit products, long term disability plans, and short term disability plans have exclusions, limitations, and terms under which the coverage may be continued in force or discontinued. Our dental plans, vision plans, life and supplemental plans, workplace voluntary benefit products, long term disability plans, and short term disability plans may also have waiting periods. For costs and complete details of coverage, call or write Humana or your Humana insurance agent or broker.

Individual applications are subject to eligibility requirements.

Before applying for group coverage, please refer to the pre-enrollment disclosures for a description of plan provisions which may exclude, limit, reduce, modify or terminate your coverage. The plan provisions are available here or through your sales representative.

For group plans, please refer to your Benefit Plan Document (Certificate of Coverage/Insurance or Summary Plan Description) for more information on the company providing your benefits.

Statements in languages other than English contained in the advertisement do not necessarily reflect the exact contents of the policy written in English, because of possible linguistic differences. In the event of a dispute, the policy as written in English is considered the controlling authority.